UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES AND EXCHANGE ACT OF 1934
Date of Report: October 27, 2003
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BAYLAKE CORP.
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(Exact name of Registrant as specified in its charter)
Wisconsin 39-1268055
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(State or other jurisdiction of (I.R.S. Employer
incorporated or organization) Identification No.)
217 North Fourth Avenue., Sturgeon Bay, WI 54235
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(Address of principal executive offices) (Zip Code)
Registrant's Telephone number, including area code: (920)-743-5551
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ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
On October 27, 2003, the Registrant issued a press release announcing the
registrant's earnings for the three and nine months ended September 2003.
The full text of the press release is attached as Exhibit 99.1 and is being
furnished to the Securities and Exchange Commission under Item 12 of Form 8-K.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
BAYLAKE CORP.
Date: October 27, 2003 By: /s/ Steven D. Jennerjohn
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Steven D. Jennerjohn,
Chief Financial Officer
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Exhibit Index
<Table>
<Caption>
Exhibit No. Description
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Exhibit 99.1 Press release dated October 27, 2003
</Table>